8346 Encino AveStocktonCA95209
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 8346 Encino Ave, Stockton, CA, 95209 in Stockton at $450,000 earns $2,959/mo in rent and nets $175/mo after the $2,023/mo payment, a 7.89% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $124,327 over five years. Ziffy Mortgage underwrites this on a 1.46 DSCR without U.S. credit history. With $4,145/yr in principal paydown, total projected return reaches $181,956.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.9% | 6.5% |
| Monthly Cash Flow | $175 | $420 |
City averages based on Stockton market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,959 |
| Total Monthly Debt Service | $2,605 |
| DSCR Ratio | 1.14x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1978
5,641 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95209, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,784 (100%) |
| Owner Occupied HU | 9,326 (67.7%) |
| Renter Occupied HU | 4,034 (29.3%) |
| Vacant Housing Units | 424 ( 3.1%) |
| Median Home Value | $507,286 |
| Average Home Value | $550,649 |
Housing Distribution
Address Breakdown
Residential
13,917
Single Family
13,023
Multi-Family
894
Businesses
255
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1978
5,641 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95209, Stockton, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,784 (100%) |
| Owner Occupied HU | 9,326 (67.7%) |
| Renter Occupied HU | 4,034 (29.3%) |
| Vacant Housing Units | 424 ( 3.1%) |
| Median Home Value | $507,286 |
| Average Home Value | $550,649 |
Housing Distribution
Address Breakdown
Residential
13,917
Single Family
13,023
Multi-Family
894
Businesses
255
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kimberlee Williams • PMZ Real Estate
Mls Name: MetroList Services of CA
Mls ID: #225095639